Suppose: you drive daily over the A12 towards Bezuidenhout and your car insurer suddenly refuses renewal. Often a CIS registration is behind this of which you were unaware. The Centraal Informatie Systeem (CIS) compiles fraud incidents, suspicions and risky claims that insurers share among themselves. Such a note blocks new policies for years.
The contents of the CIS register
Three types of data are recorded:
1. External Referral Register (EVR)
Heaviest category. This lists persons or companies where fraud has been established or is highly probable. Registration can last eight years. Insurers almost standardly refuse new cover.
2. Incidents Register
Lighter registrations concerning claims with elevated risk, without proven fraud. Standard five years visible.
3. Risk Register
General risk profiles such as prior claims or residence in districts with high claims history. Not always fraud-related.
Practical impact on daily life
- Refused policy applications with virtually all affiliated insurers
- Increased premiums upon conditional acceptance
- No mortgage possible if building insurance fails for a property in the Schilderswijk
- Termination of existing contracts in certain cases
- Influence on credit applications when banks also consult financial registers
Which parties can access the data?
Nearly all Dutch health, non-life, life and disability insurers are affiliated. Every application is automatically checked. A hit usually results in refusal or stricter conditions.
Your right of access under the AVG
Article 15 AVG grants you the right of access. Address a written request to:
Stichting CIS
Antwoordnummer 4860
3500 ZL Utrecht
Identify yourself with a certified copy of your identity document. Within one month you will receive an overview. Access is free of charge.
Removal of an incorrect entry
Follow this route:
Step 1: request the file
Request the complete fraud file from the insurer that registered the entry. This way you know exactly what the notification is based on.
Step 2: submit a notice of objection
Send a reasoned letter with your explanation, supporting documents such as alibis or counter-expert reports and an explicit request for removal. The insurer responds within four weeks.
Step 3: Kifid procedure
In case of rejection you can go to Kifid. There too you can contest the registration yourself. Duration six to twelve months, own contribution fifty euros.
Step 4: judicial intervention
In complex cases or substantial damage: summary proceedings or ordinary proceedings before the Rechtbank Den Haag for immediate removal or damages.
Damages possible
The Hoge Raad has held insurers liable for incorrect registrations. Missed policy opportunities, higher premiums and lawyer’s fees can lead to awards ranging from several thousand to tens of thousands of euros.
Important time limits
- Limitation period: five years from the moment you become aware of the registration (article 3:310 BW)
- Maximum EVR duration: eight years, thereafter automatic removal
- Kifid time limit: within one year after written rejection of your objection
Take action immediately
Was your policy recently refused without clear reason? Request access immediately via the Juridisch Loket Den Haag or have your situation assessed at the Arslan office Den Haag. Many residents only discover late that an error has restricted their financial freedom for years. Early correction prevents long-term problems.